Personal Checking
Personal Checking Accounts
We have free checking, debit cards, and a variety of accounts to suit your needs.
We strive to keep things simple, and our checking accounts deliver.
- Free Checking¹
- PREFERRED Checking¹
- Order Checks
- Debit Cards
This popular account is a simple and free account allowing easy access to funds.
- $25 initial deposit
- No minimum balance
- No monthly fee
- Free instant issue debit card
- Free affinity debit card available – click for debit card options (PDF)
- Overdraft protection options²
¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
- Transfer from savings/money market or overdraft line of credit³
- Free online banking
- Online check imaging available
- Email & text alerts (Standard text messaging rates apply)
- Free access to all IMCU, Alliance One, and Allpoint ATMs Nationwide
- Now available — Allpoint app!
- Free eStatements
³ Application required and subject to credit approval
This account offers the ability to earn a dividend on balances, while offering the convenience of a transactional account.
- $2,500 initial deposit
- $2,500 minimum balance
- No monthly fee with minimum balance
- Dividends earned – with minimum balance requirement
- Free instant issue debit card
- Free affinity debit card available – click for debit card options (PDF)
- Overdraft protection options²
¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
- Transfer from savings/money market or overdraft line of credit³
- Free online banking
- Online check imaging available
- Email & text alerts (Standard text messaging rates apply)
- Free access to all IMCU, Alliance One, and All Point ATMs Nationwide
- Free eStatements
- See Current Rates
³ Application required and subject to credit approval
Ordering checks is simple!
Just visit the link below and enter in your information.
You will need your account number handy to order checks.
IMCU's Routing Number: 274 074 040
If you have any questions, feel free to contact Member Services at 800.556.9268 or 317.248.8556
- FREE Debit Card: Visit a branch near you!
- Choose your debit card personality! Check out the many debit card options available. (PDF)
- Tap to Pay and Digital Wallet Compatibility!
- Roadside Dispatch: Pay-Per-Use 24-Hour Roadside Assistance. Includes: Standard Towing, Tire Changing, Jump Starting, Lockout Service, Fuel Delivery and Standard Winching. For Roadside Assistance, call 1.800.847.2869.
- Auto Rental Collison Damage Waiver Available Through Visa® : Covers damage, theft, towing, and more!
- Porch Piracy Protection Through Visa® (Consumer Products Only): Up to $1,000 reimbursement if eligible items are stolen from your delivery location.
- Travel Accident Insurance Through Visa® : Coverage for accidental death or dismemberment when travel is booked with your Visa® debit card. These additional Visa® benefits are available when purchases are made with your IMCU Visa® Debit Card. Click here for the guide to benefits to learn about the benefits and claim processes.
- Track Your spending with our Enhanced Digital Banking - Available Here!
Debit Card Inquiries:
Member Services - 800.556.9268
Lost/Stolen Cards - 800.556.9268
Fraud - 888.918.7313
PIN Concerns - 888.886.0083
Card Activation - 800.631.3197
FRAUD ON YOUR ACCOUNT: If you know you’ve had fraud on your account, contact Member Services during business hours and file a dispute for the fraudulent charges. Outside of business hours, call 800.556.9268 and listen for the prompts to be directed to cancel your debit card to avoid additional fraudulent charges. Contact Member Services the next business day to file a dispute. Member Services – 800.556.9268
RECEIVE A CALL FROM THE IMCU FRAUD DEPT: If you have received a call from the Fraud department regarding fraudulent charges, return the call to verify transactions in order for standard use to resume. Fraud Services - 888.918.7313
IF YOU HAVE LOST YOUR DEBIT CARD: If you have lost your debit card, during business hours contact Member Services at 800.556.9268. Outside of business hours, please call 866.541.2915.
PIN CONCERNS: If you need to set or reset a PIN, contact 888.886.0083
Keep it simple with direct deposit! You'll save time when you have your paycheck directly deposited into your IMCU checking account. Plus, you'll receive your paycheck sooner than with a paper check.
To enroll in direct deposit, visit your nearest branch for a Direct Deposit Form to provide to your employer, or reach out to us via email at members@imcu.com.
Free Checking¹
This popular account is a simple and free account allowing easy access to funds.
- $25 initial deposit
- No minimum balance
- No monthly fee
- Free instant issue debit card
- Free affinity debit card available – click for debit card options (PDF)
- Overdraft protection options²
¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
- Transfer from savings/money market or overdraft line of credit³
- Free online banking
- Online check imaging available
- Email & text alerts (Standard text messaging rates apply)
- Free access to all IMCU, Alliance One, and Allpoint ATMs Nationwide
- Now available — Allpoint app!
- Free eStatements
³ Application required and subject to credit approval
PREFERRED Checking¹
This account offers the ability to earn a dividend on balances, while offering the convenience of a transactional account.
- $2,500 initial deposit
- $2,500 minimum balance
- No monthly fee with minimum balance
- Dividends earned – with minimum balance requirement
- Free instant issue debit card
- Free affinity debit card available – click for debit card options (PDF)
- Overdraft protection options²
¹ All checking accounts require a membership savings account
² Interest or fees may be charged when used
- Transfer from savings/money market or overdraft line of credit³
- Free online banking
- Online check imaging available
- Email & text alerts (Standard text messaging rates apply)
- Free access to all IMCU, Alliance One, and All Point ATMs Nationwide
- Free eStatements
- See Current Rates
³ Application required and subject to credit approval
Order Checks
Ordering checks is simple!
Just visit the link below and enter in your information.
You will need your account number handy to order checks.
IMCU's Routing Number: 274 074 040
If you have any questions, feel free to contact Member Services at 800.556.9268 or 317.248.8556
Debit Cards
- FREE Debit Card: Visit a branch near you!
- Choose your debit card personality! Check out the many debit card options available. (PDF)
- Tap to Pay and Digital Wallet Compatibility!
- Roadside Dispatch: Pay-Per-Use 24-Hour Roadside Assistance. Includes: Standard Towing, Tire Changing, Jump Starting, Lockout Service, Fuel Delivery and Standard Winching. For Roadside Assistance, call 1.800.847.2869.
- Auto Rental Collison Damage Waiver Available Through Visa® : Covers damage, theft, towing, and more!
- Porch Piracy Protection Through Visa® (Consumer Products Only): Up to $1,000 reimbursement if eligible items are stolen from your delivery location.
- Travel Accident Insurance Through Visa® : Coverage for accidental death or dismemberment when travel is booked with your Visa® debit card. These additional Visa® benefits are available when purchases are made with your IMCU Visa® Debit Card. Click here for the guide to benefits to learn about the benefits and claim processes.
- Track Your spending with our Enhanced Digital Banking - Available Here!
Debit Card Inquiries:
Member Services - 800.556.9268
Lost/Stolen Cards - 800.556.9268
Fraud - 888.918.7313
PIN Concerns - 888.886.0083
Card Activation - 800.631.3197
FRAUD ON YOUR ACCOUNT: If you know you’ve had fraud on your account, contact Member Services during business hours and file a dispute for the fraudulent charges. Outside of business hours, call 800.556.9268 and listen for the prompts to be directed to cancel your debit card to avoid additional fraudulent charges. Contact Member Services the next business day to file a dispute. Member Services – 800.556.9268
RECEIVE A CALL FROM THE IMCU FRAUD DEPT: If you have received a call from the Fraud department regarding fraudulent charges, return the call to verify transactions in order for standard use to resume. Fraud Services - 888.918.7313
IF YOU HAVE LOST YOUR DEBIT CARD: If you have lost your debit card, during business hours contact Member Services at 800.556.9268. Outside of business hours, please call 866.541.2915.
PIN CONCERNS: If you need to set or reset a PIN, contact 888.886.0083
Keep it simple with direct deposit! You'll save time when you have your paycheck directly deposited into your IMCU checking account. Plus, you'll receive your paycheck sooner than with a paper check.
To enroll in direct deposit, visit your nearest branch for a Direct Deposit Form to provide to your employer, or reach out to us via email at members@imcu.com.